Sudduths
Homes for Sale in Panama City, FL
All 268 homes for sale in Panama City, FL · median $349,900 · 165 homes for sale in 32401 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of November 2026, Sudduths 10Th in Panama City, FL has 1 home for sale. Sudduths 10Th is a community in Panama City, Bay County, FL. Across Panama City as a whole, 371 homes closed in the last 12 months at a median of $300,000, 84 median days on market. At that median and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $3,680 ($3,200 with the full homestead exemption).
Sudduths 10Th is a small, low-turnover pocket of Panama City — the most recent snapshot is built on just 5 closings, so any single sale can move the median. With that caveat, the median price sits at $400,000 and it has come down 4.6% year over year, which reads as a market working through softer demand rather than one in freefall.
The bigger story is the 81-day median time on market and a market heat score of 28 — both point to a buyer's pace, where homes sit long enough for real negotiation on price and terms. Sellers here should price to current conditions, not to the long-term trend; buyers get room to be patient and specific about what they want.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
The 60-Second Overview
A quiet, small-sample corner of Bay County where pricing has pulled back slightly from a year ago even as it sits far above where it started back in 2012.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Sudduths is best for.
Best for
- Buyers targeting a specific home in Sudduths 10Th who are willing to research it individually rather than lean on neighborhood-wide data.
- Buyers who want negotiating room and are comfortable with a slower, more patient purchase timeline.
- Sellers who can price realistically against the current pullback rather than the longer-term 2012 baseline.
Probably not for
- Buyers who need a deep, high-volume comp set to validate every pricing decision.
- Sellers expecting a fast sale in line with a hotter market cycle.
- Anyone relying on neighborhood amenities as a deciding factor, since none are identified in current listings.
The market around Sudduths
Sudduths is too small for its own price trend, so here is the market around it.
Across Bay County, 2,406 homes are active and 434 pending (15% under contract).
ZIP and county figures describe the wider market, not Sudduths specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Sudduths
Live MLS inventory for Sudduths. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Sudduths listings as of 2026-11-12, priced high to low. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Tap any home to ask about it.
The Sudduths buying strategy.
If we were buying in Sudduths today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Sudduths.
A Small Market, Read Carefully
With only 5 closings in the current window, Sudduths 10Th does not behave like a high-volume subdivision — each sale carries outsized weight in the numbers, and the median price of $400,000 should be read as a general marker rather than a precise ceiling or floor. The 4.6% year-over-year dip is modest, consistent with a market cooling from a hotter run rather than one under distress.
That longer run matters: values here are up 300% since 2012, which is a substantial cumulative gain even with the recent softening. Combined with a market heat score of 28 and a median 81 days on market, the current posture favors buyers willing to do homework on individual properties and negotiate — this is not a bidding-war environment right now.
The location and the amenities are priced into every listing in Sudduths. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-volume market like this, pricing and negotiating strategy have to be built around the specific home, not a neighborhood average — we pull the actual comparable closings, not just the headline median, before advising on offer or list price.
Sudduths in 15 seconds.
Tools for a Sudduths buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Sudduths sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sudduths, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sudduths home worth?
Get a no-obligation home value based on real comparable sales in Sudduths, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Should you buy in Sudduths?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: November 12, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-11-11 |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of CPAR MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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See how Sudduths 10Th fits the bigger picture — live prices, inventory, and Momentum Scores: